Citi CD Rates for 2025
Review
Updated
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Citi CD rates are surprisingly competitive for a brick-and-mortar bank, for a few available term lengths. With the bank's variety of terms, low deposit requirements, and above-average APYs, Citi CDs are a good fit for savings balances of any size. Read our review to learn more about Citi CD rates and how they compare to the CDs you find offered by other top banks.
APY = Annual Percentage Yield
| 5 Mo. APY | 6 Mo. APY | 7 Mo. APY | 9 Mo. APY | 1 Yr. APY | 13 Mo. APY | 15 Mo. APY | 1.5 Yr. APY | 2 Yr. APY | 3 Yr. APY | 4 Yr. APY | 5 Yr. APY |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 3.00% | 3.25% | 4.15% | 3.00% | 3.00% | 4.00% | 3.85% | 3.85% | 0.50% - 1.01% | 2.00% | 2.00% | 2.00% |
A high-interest savings account offers rates competitive with the best CDs accounts, but without having to lock your money away for months or even years at a time. Here are some top-rated high-yield savings account options from our experts.
| Account | APY | Promotion | Next Steps |
|---|---|---|---|
Open Account for American Express® High Yield Savings
On American Express's Secure Website.
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
3.70%
Rate info
3.70% annual percentage yield as of April 17, 2025. Terms apply.
Min. to earn: $0
|
N/A
|
Open Account for American Express® High Yield Savings
On American Express's Secure Website. |
Open Account for CIT Platinum Savings
On CIT's Secure Website.
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
4.10% APY for balances of $5,000 or more
Rate info
4.10% APY for balances of $5,000 or more; otherwise, 0.25% APY
Min. to earn: $100 to open account, $5,000+ for max APY
|
Earn a bonus of at least $225 after a one-time deposit of $25,000+.
Transfer a one-time deposit of $25,000-$49,999.99 for a bonus of $225. Transfer a one-time deposit of $50,000+ for a bonus of $300. Account must be opened with code PS2025 while this promotion lasts, and funded within 30 days. Bonus will be fulfilled within 60 days from the funding date. There is no period of time where the customer will be required to maintain the funds. Account must be open when bonus is credited. One bonus per account and primary customer. Bonus will be credited into the Platinum Savings Account that fulfills the funding requirement. Funding can be deposited all at once or incrementally.
|
Open Account for CIT Platinum Savings
On CIT's Secure Website. |
Open Account for Capital One 360 Performance Savings
On Capital One's Secure Website.
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
3.60%
Rate info
See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of April 8, 2025. Rates are subject to change at any time before or after account opening.
Min. to earn: $0
|
N/A
|
Open Account for Capital One 360 Performance Savings
On Capital One's Secure Website. |
Citi's CD interest rates on some terms are higher than other large brick-and-mortar banks, though some online banks have it beat. See how it stacks up to some of its competitors in the table below.
| Bank & CD Offer | APY | Term | Min. Deposit | Next Steps |
|---|---|---|---|---|
Discover® Bank CD
Member FDIC.
Open Account for Discover® Bank CD
On Discover Bank's Secure Website. |
APY:
4.00%
|
Term:
1 Year
|
Min. Deposit:
$0
|
Open Account for Discover® Bank CD
On Discover Bank's Secure Website. |
|
APY:
4.00%
|
Term:
10 Months
|
Min. Deposit:
$500
|
Open Account for LendingClub CD
On LendingClub's Secure Website. |
|
|
APY:
4.30%
|
Term:
6 Months
|
Min. Deposit:
$1
|
Open Account for
On Secure Website. |
Citi CD interest rates are competitive with its big bank competitors, with term lengths ranging from three months to five years. Citi also offers some unusual short-term CDs you won't find with many other banks, and many of these have special higher rates. Its minimum deposit is $500 in most states, but a few states have higher minimum requirements. If you'd like to benefit from Citi CD interest rates, make sure you have enough to meet the account minimum.
Citi also offers the following CD accounts:
It's pretty easy to open a Citi CD account, and if you're already a banking customer, you can log into your account to do it. Otherwise, you'll need to give your personal information (such as name, birthdate, and Social Security number). You'll also need to provide your employment and income information.
You'll need to fund your Citi CD, of course -- and remember, the minimum deposit amount is $500. You can transfer from an existing Citibank account or from an external bank. You'll be guided to create a login and password for Citi, so you can check up on your CD. Finally, you'll need to read and sign various agreements and disclosures for your new account.
It's important to keep track of when your CD will mature. For Citi CDs, they renew at the same term length when they expire, but you get a seven-day grace period to make any changes or withdraw your cash and close the account. And since CD rates change over time, when your CD matures, you may find that the new APY on that same term length is no longer worth your time.
A Citi CD is a great fit for those with at least $500 they don't expect to spend in the next few months or years. It's also a good choice for those who prefer brick-and-mortar banking but still want to earn a high rate. If you're not married to the idea of a standard term length and can take advantage of, say, a 9-month CD, Citi might be a good choice. And if you want to build a CD ladder with a variety of term lengths, consider Citi's special rates on select terms.
APY = Annual Percentage Yield
At Motley Fool Money, certificates of deposit (CDs) are rated primarily focusing on annual percentage yield (APY) and early withdrawal penalty fees. Our highest-rated CDs generally include competitive APYs without complex qualification tiers, low withdrawal fees, reliable brand trust and reputation, and ease of use.
Learn more about how Motley Fool Money rates bank accounts.
Citi CDs come with a variety of terms, a few high APYs (especially on a few unusual term lengths), and low minimum balance requirements, so you can build a CD ladder or just use one to grow your savings.
A Citi CD could be right for you if you want to earn a competitive rate on your savings and you have at least $500 to spare.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands. Terms may apply to offers listed on this page. APYs are subject to change at any time without notice.
